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Someone lower down the career ladder may have dreams but a smaller salary. However, as his lifestyle is less expensive, he has more to invest in SIP.

Higher up the ladder, the boss has more expenses such as EMIs to support the rich lifestyle -- so there is less money for investment such as SIP.

Over time, the one who invests more is more wealthy than the one with the rich lifestyle.

If you are not disciplined with SIP, you will end up with less wealth than those who reported to you.

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